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Financial Advice

Americans Are Still Saving for Retirement Despite Market Volatility

26.05.2022

3 min read. May, 26 2022 – by Phil Fernandes Last week, the Dow Jones dropped 1,100 points, which is the biggest drop we’ve seen since June 2020. But, although the market has been volatile recent...

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Financial Advice

5 Tax Changes For 2022

21.01.2022

3 min read. January 21, 2022 – by Joe Camberato Nobody enjoys filing their annual taxes, but thanks to changes in the tax code, you could receive a bigger refund this year than you did in ...

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Financial Advice

How to Protect Yourself From Crypto Heists

17.12.2021

2 min read. December 16, 2021 – by Lauren Coppolone Last summer, an anonymous hacker made headlines for stealing $600 million in crypto from Poly Network. It was the biggest crypto theft i...

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Business Financing Advisor

The Future Of Small Business Lending

30.09.2021

3 min read. October 8, 2021 – by Phil Fernandes Small business lending has changed dramatically over the past several years. Alternative financing and the growth of online lenders has generated...

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Business Financing Advisor

Guide: Working Capital Loans for 2021

09.09.2021

Working capital loans are short-term financing solutions designed to help your business finance everyday operational costs - such as rent, debt payments, payroll, and supplier fees. Think of them as a...

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Financial Advice

15 Small Business Grants For Female Entrepreneurs

26.08.2021

Female entrepreneurs are a critical driver of growth in any economy. Nevertheless, many women must overcome a unique ...

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Financial Advice

Personal Loans for Independent Contractors and 1099 Workers

03.08.2021

As an independent contractor or 1099 worker, you’re essentially a business owner. You’re responsible for managing your day-to-day responsibilities and setting your own hours. You may enjoy increas...

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Business Financing Advisor

Business Line of Credit Requirements: Everything You Need to Know

13.05.2021

A business line of credit can be a great source of extra cash. Business lines of credit are extremely flexible financing solutions - you can use them to manage cash flow gaps, unexpected expenses, exp...

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Business Financing Advisor

6 Factors That Keep You From Getting a Small Business Loan

04.05.2021

Business loans are a great way to get an influx of cash. They can be used to make large purchases, finance growth, cover operational costs, and more. Even though business loans offer a host of differe...

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Business Loans & Financing

How to Get a Small Business Loan

02.12.2020

A Guide on How to Get a Small Business Loan When your business needs cash, you’re probably either rapidly growing or looking to solve a problem—meaning you don’t have the free time to file six d...

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Business Loans & Financing

Best Short Term Business Loans

25.11.2020

3 min read. October 16, 2021 – by Joe Camberato When you own a small business, an urgent need for cash is a common problem. You might need to hire new employees, purchase new inventory, or...

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Business Financing Advisor

What Are The Different Types of Small Business Loans?

16.10.2020

There’s no question about it: at some point or another, your growing business will need capital. If you’re like most business owners, your first step may be to research the types of small business...

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Business Loans & Financing

Federal Small Business Loans for Minorities: Your Top 9 Options

31.07.2020

3 min read. July 31, 2021 – by Joe Camberato Diversity defines America’s bustling small business world as much as it does our communities. As of 2018, minority-owned businesses accounted...

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Business Loans & Financing

How To Find Your Business Line of Credit Maturity Date

30.07.2020

In a pinch, small business lines of credit give business owners the cash they need to push through. It’s the perfect cash flow injection when your business is growing, or when you need wiggle room t...

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Business Loans & Financing

The Average [2020] Interest Rate on a Business Line of Credit

25.06.2020

For small businesses, a business line of credit is the perfect lifeline. Whether you have a huge opportunity on hand or need to solve a problem, this financing option gives you a simple, fast and easy...

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Financial Advice

How To Recession-Proof Your Small Business In Uncertain Times

17.06.2020

With cities and counties lifting small business restrictions in light of the declining coronavirus numbers, many local businesses are starting to re-open their doors, or at the very least, meet custom...

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Financial Advice

7 Ways Your Small Business Can Keep Earning Income During COVID-19

12.06.2020

Small businesses have experienced quite a difficult stretch during the coronavirus pandemic. As cities and local governments lift the most extreme restrictions, many are hopeful that there are brighte...

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Financial Advice

Bookkeeping Services List: Why You Need a Virtual Bookkeeper

05.06.2020

Most businesses incur countless expenses on a daily basis. From payroll, to operating costs like rent and utilities, to growth costs like marketing, there’s a never-ending list of expenses that hit ...

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Financial Advice

How To Reduce Business Expenses During the Coronavirus Crisis

20.05.2020

When the coronavirus crisis began, small business owners braced for the difficult weeks ahead. What many business owners didn’t realize is that weeks would become months of slow sales and new govern...

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Financial Advice

Cash Flow During COVID-19: How Small Businesses Can Survive In This Economy

18.05.2020

By now, COVID-19 has affected nearly all small businesses in one way or another. Whether your small business temporarily shut down, partially closed, or simply felt a drop in sales and demand, it’s ...

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Business Loans & Financing

How to Overcome Seasonal Customer Cash Flow Gaps with Business Financing

20.03.2020

Cash flow is a never-ending problem in small businesses. Achieving consistent positive cash flow is an even bigger challenge if you make most of your sales during a single season. A U.S. bank study sh...

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Financial Advice

The Ultimate Cash Flow Management Guide for Entrepreneurs

09.03.2020

What’s one of the top challenges in small business accounting? Cash flow management.  The average small business only has enough available cash to cover just under a month of expenses – much ...

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Business Loans & Financing

The Best Way to Find Business Loans Online [2020]

26.02.2020

Is an online business loan right for you? Trying to navigate the lending landscape can be confusing if you’re a new small business owner or you’ve never applied for financing before. Online fintec...

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Financial Advice

7 Business Challenges to Prepare for When Going Online in 2020

05.02.2020

How can improving your digital marketing strategy help you overcome business challenges in 2020? Competition is fierce in the online space with businesses of all sizes fighting for attention.  Bi...

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Construction

2019 Small Business Failure Rate: Startup Statistics by Industry

24.01.2020

You’ve probably heard the classic story about small business failure rates. Business can be moving along well one moment, and an epic business disaster could happen to anyone out of nowhere.  W...

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Financial Advice

7 Best POS Systems: Which Point-of-Sale Software Works for You?

22.01.2020

Basic payment apps are economical solutions for payment processing when your business is in the early stages. But what do you do when you’re ready to grow? You need a point-of-sale system with featu...

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Business Loans & Financing

6 Tips to Make Sure Your Deal Closes in Final Underwriting

13.01.2020

Operating a business isn’t easy– it takes a vision of success, the right team, and a continued thirst for growth. And at some point, all businesses require funding to shape these dreams into a rea...

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Business Loans & Financing

Does Credit Repair Really Work? Beware of These 5 Promises

01.01.2020

Did you know simple errors on your credit report could cost you the benefits of a high credit score?  According to federal laws regulating credit reporting and debt collection, you have the right...

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Business Loans & Financing

How to Avoid Business Loan Ripoffs: 5 Things You Must Know

26.12.2019

When you’re considering business loan options, it’s easy to get caught up in the benefits of having cash on hand. You’ll finally have capital to pursue your next opportunity. Or, to take on a te...

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Business Loans & Financing

The Winter Slowdown: How Construction Business Loans Keep You Afloat

04.11.2019

Whether you like to admit it or not, the weather can have a significant effect on your bottom line in the construction industry. Construction business loans can play an important role in helping your ...

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Business Loans & Financing

How to Get Your Small Business Cash Flow Positive

30.10.2019

Maintaining positive cash flow can be tricky when you run a small business. Expenses can quickly outpace income, leaving you scrambling to pay your bills and threatening the future of the company.&nbs...

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Financial Advice

How Doctors Bridge Slow Healthcare Payments with Revolving Credit

23.10.2019

Timely and accurate insurance payments are just what the doctor ordered, but they’re not always what you’ll get. Nearly 90% of Americans are enrolled in a health insurance plan, which has made tre...

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Financial Advice

5 Recession-Proof Business Ideas & Opportunities [2020]

16.10.2019

Uncertain economic times may seem like the worst environment for starting a business. But, you might be surprised to discover just how many businesses opportunities there are during a recession. ...

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Business Loans & Financing

Business Credit Scores: Breaking Down the 5 Factors (And How to Check It)

30.09.2019

Do you know your business credit score? If you’re like most small business owners, you’re probably looking at the question and scratching your head. According to a 2016 survey by Manta, an online ...

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Financial Advice

10 Things to Consider BEFORE Applying for a Bank Business Loan

28.08.2019

If you’re thinking about applying for a business loan from a bank, it might be wise to think again. Going to a bank is a natural first instinct after identifying the need for capital to grow your bu...

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Business Loans & Financing

How to Build Your Business Loan Payment Schedule [Free Spreadsheet]

12.08.2019

Creating a payment schedule when you take out a small business loan helps you stay on track and manage your debt responsibly.  You want your business to be stronger at the end of the loan terms t...

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Financial Advice

Should I Apply for Alternative Financing With Good Credit?

19.07.2019

Alternative financing has turned the lending market on its side by reinventing the criteria that borrowers must meet in order to qualify for a loan. In doing so, it has empowered countless business ow...

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Financial Advice

8 Ways To Grow Your $1 Million Business To $5 Million FAST

29.05.2019

Breaking the seven figure benchmark and hitting $1 million in annual sales should be a moment of pride for business owners, and an indication of your ability to excel. But why stop the business growth...

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Financial Advice

How to Lower Costs With a More Energy-Efficient Restaurant

06.05.2019

Are you dreading the summer spike in your restaurant’s utility bills? From the ice maker to the walk-in cooler, all of your appliances spend the season fighting against rising temperatures. The same...

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Financial Advice

5 Reasons Your Restaurant Needs Online Ordering This Summer

02.05.2019

How do you get your restaurant ready for the best summer season ever? Start offering online ordering and delivery! A whopping 60 percent of U.S. consumers order delivery or takeout once a week, and 79...

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Financial Advice

Why Restaurants Need Cash On-Hand BEFORE the Busy Season Starts

01.05.2019

Seasonal fluctuations in business can bring a flood of customers to your restaurant, and you need cash on hand to cover the expenses associated with higher demand. Whether you’re known for smashing ...

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Financial Advice

New Landscaping Equipment That Helps You Take on More Customers This Summer

25.04.2019

As summer rolls around, your landscaping business needs to be ready to tackle more projects and deliver stellar results to every customer. If you want to focus on landscaping business growth throughou...

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Financial Advice

9 Ways to Accelerate Your Business Growth in 2019

12.04.2019

There may come a time when you realize that your company isn’t growing as quickly as it should be. Maybe your business’s rate of growth is slowing down to the point that you’re worried your grow...

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Financial Advice

The Worst Advice We’ve Ever Heard About Applying for Small Business Loans

11.04.2019

At National Business Capital, each week we meet, speak or chat with hundreds of business owners who have challenges to overcome and opportunities to take advantage of. When we talk with these incredib...

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Financial Advice

Cut Costs Without Losing Staff: Your Guide to Small Business Savings

05.04.2019

There comes a point in the life cycle of every business when taking measures to reduce spending is unavoidable. But even a whispered rumor about downsizing is enough to send your staff into a panic. W...

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Financial Advice

Payroll 101: 8 Most Crucial Tips for New Employers

28.03.2019

You’re fired up with an idea for a new business, and worked out a strategy to make it happen. Business for you is looking pretty promising, and now you’re ready to hire a small group of employ...

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Financial Advice

When Is the Best Time to Open Your Next Franchise Location?

27.03.2019

As the business owner of a successful franchise, you may be wondering how to increase profits. One of your options is to open a second franchise location, which leads to the big question: “Is NOW th...

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Financial Advice

How to Take Your Business From $1M to $5M in Annual Gross Sales

19.03.2019

So, you've decided it's time to take your business to the next level, and start multiplying your profits. But is your company in an optimal position for fast, efficient business growth? Building a bus...

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Financial Advice

The 5 Best Financing Options for Restaurant Owners in 2019

08.03.2019

Juggling employees, overhead, payroll, taxes, equipment, and seasonal fluctuations, the largest opportunities like relocating your establishment to smallest challenges like replacing broken equipment ...

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Financial Advice

8 Reasons NEVER to Use Your 401K to Get a Small Business Loan

28.02.2019

If you’re considering using your 401K funds to get a small business loan, or fund your business goals in any way – DON’T. This is a dangerous trend that is robbing new and establishe...

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